No suggestion will be accepted unless it is preceded by a whip. In the last 2 years, nothing transformed in the status of bank NPAs with top officials restricting themselves to telephone calls and goody goody exchanges. Please introduce incentives and haircuts measured in terms of time span. And accountability decisions involving malfeasance at the higher level to be resolved by SFIO in the shortest span, not more than 6 months. The assets should be valued at a discount while handing over to Cos. in the same business as an incentive.